Buyers

Buying a home is a big investment, but it doesn’t have to be complicated. Hanson’s Realty and Hanson’s Mobile Home Sales provide reliable options for home ownership in the Greater Sacramento Area. We can help you find the perfect home based on your preferences and budget.

Our Real Estate Brokerage specializes in assisting buyers with all their residential real estate needs. Our Mobile Home Dealership focuses on manufactured-mobile homes. Both types of purchases have unique advantages and steps to complete. Our experience will help you navigate these steps to accomplish your goal of purchasing your dream home.

Here are 10 Steps to Buying a Home:

1. Learn about your options. Start by exploring your options. You don’t need to have everything figured out yet; we’re here to help. We can explain home costs and market conditions. Knowing your options can help you feel more confident about buying a home.
2. Get pre-qualified for a loan. Before making an offer, talk to a lender or loan broker to see how much money you can borrow and what your payment will be. If you don’t have a lender, we can provide a list. Lenders look at your financial condition, debts, income, and credit score and will need documentation. Everyone’s situation is different, so talk to multiple lenders to find the best options and loan for you.
3. Save up your down payment. Lenders need to know you have enough money for your down payment. They also need to know where your down payment money is coming from. It can be a gift, but make sure to document any unusual deposits.
4. Delay new purchases. Don’t buy anything big that will increase your monthly payments unless your lender says it’s okay. These purchases could lower the amount you can borrow or even stop you from buying a home. Wait until after you’ve bought your home.
5. Avoid changing jobs. Try not to change jobs before buying a home. If you need to change jobs, talk to your lender as soon as possible.
6. Start looking for a home. With your lender’s pre-qualification letter in hand, check in with your Hanson Sales Team member to help you with a house-hunting strategy. Make a “must-have” list and a “wish” list to help sort out home possibilities. It’s rare to find a home that has it all, so try to stay flexible. Our website is a great tool to browse homes. Share your lists with us so we can help you find homes that meet your needs.
7. Look for good value. We will help you decide if the home’s price and condition are reasonable. Making an offer is a big decision, and we’ll help you understand your options.
8. Get a home inspection and read disclosure statements. We can arrange an inspection by a qualified inspector. If the home has big problems, we will help you negotiate for repairs or find a different home.
9. Stay organized. There are many steps in buying a home, like dealing with lenders, inspections, appraisals, moving, schedules, insurance, and unexpected issues. We’ll help you stay organized and handle these tasks.
10. Complete your home purchase. After finding your new home and completing all the steps above, it’s time to prepare for closing. At the closing, you sign all your purchase and loan documents. In a day or two, you will get the keys to your new home. Congratulations!